1. CURRICULUM VITAE
Sharad Srivastava
S 51 A
Pandav Nagar
Delhi-110092
Contact No. 09958995045
E-mail: Sharadsmera@gmail.com
CAREER OBJECTIVE -
To enhance and utilize my skills and knowledge in an ethical manner which will lead to the successful
growth of the organization as well as land me a successful careers.
WORK EXPERIENCE -
SMERA Ratings Limited.
Designation: Trainee Analyst (Corporate Ratings)
Function- Bank loan Credit Rating
Duration: 28th
Feb 2014 – Till Date.
KEY RESPONSIBILITIES -
Functional Responsibility / Domain Related
• Transforming balance sheet into Spreadsheet.
• Undertake financial statement analysis, which includes balance sheet and ratio analysis.
• Recommend ratings, based on detailed analysis about Business, Finance, Management
• Scenario Analysis, SWOT Analysis, Peer Comparison.
• Sensitivity analysis.
Process Adherence
• Write rating credit notes, based on financial and business risk analysis.
• Presenting the report into Rating Committee.
• Write the credit report for Press release /Public Domain.
• Help the teams in executing tasks, and monitor timeliness and quality of output.
Client Management / Stakeholder Management
• Conducting the site visit of the client for better clarity of their business across India.
• Interact with clients to understand their business models and projections.
• Interact with Banker to know about the Outstanding Loans status.
• Explaining client the rating rationale.

2. Cases Handled
• Agarwal Packers & Movers Limited.
• KLA India Public Limited.
• K. S. Agro Foods Limited.
• DRS North Warehousing India Private Limited.
• India Exposition Mart Limited (Expo Mart).
• Suncity Projects Private Limited.
• Unitech Group, etc.
PREVIOUS WORK EXPERIENCE -
G.K.C Management Services Pvt. Ltd.
Designation: Financial Analyst (Small Medium Enterprises)
Function- Bank loan Credit Appraisal
Duration: 12th
Dec 2012 to 27th
Feb 2014.
KEY RESPONSIBILITIES -
• To analyze the credit worthiness of the SME’s, as aspirants of the loan applied from a particular
bank such as (HDFC, Fullerton India, Reliance Home Finance, Magma, Religare, IIFL,
TATA Capital, Citi Bank, DCB, GE Money and Edelwise).
• Coordinate all types of Loans such as Auto Loan, Personal Loan, LAP, PFI, PD, CPA, End Use
Monitoring, Edelwise CPA, and L.I.P of All Banks.
• Preparing of Re-assessed Profit & Loss Account & Balance Sheet on the Excel Sheet on the basis
of own assumptions and market trends.
• To Re-assess the operational risks inherent in the business, taking account of changing economic
or market conditions, legal & regulatory requirements.
• To undertake complex industry, competitor and client level analysis of financial documentation
and supplemental data to support lending decision-making and recommending credit requests to
appropriately meet business needs.
• To assess the risk involved in the proposal made by the client to the bank and to prepare reports
on client’s credit appraisal on the basis of personal discussion.
PROFESSIONAL EDUCATION -
• M.B.A. (Finance + HR) from IIMT College of Management affiliated to Mahamaya Technical
University, Noida U.P (2012) with 64%.
ELECTIVES -
• Finance (Major)
• Human Resource (Minor)
EDUCATIONAL QUALIFICATION -
• B.COM from University Of Allahabad in 2010 with 50%.
• Intermediate from CBSE Board in 2007 with 67%.
• High School from CBSE Board in 2005 with 52%.
PROJECT DETAILS -

3. • Completed six weeks (22 JUNE - 02 AUG 2011) of Summer Training Project Report on
“Financial Analysis of Hindalco Ind. Ltd. & Comparison with Nalco” at ‘HINDALCO IND.
LTD.’ an enterprise of Aditya Birla Group at Renukoot, (U.P)
ADDITIONAL QUALIFICATION -
• O. Level from UPTEC, Allahabad 2007.
• D.F.A from Govt. Computer Center 2009.
TECHNICAL KNOWLEDGE -
• Packages : MS Office ,Tally
• Others : Internet,
EXTRA CURRICULAR ACTIVITIES -
• Won Basketball Tournament at school level.
ADDITIONAL INFORMATION -
• Hobbies: Listening to music, watching cricket, Playing Computer Games.
KEY SKILLS & CORE COMPETENCIES -
• Credit Risk Assessment.
• Strong Analytical Skills.
• Numerical solving Skills.
• Ability to convince while maintaining professionalism.
• Focused and objectivity in Work.
• Punctuality with high degree of Accuracy level.
PERSONAL DETAILS -
Name Mr. Sharad Srivastava
Father’s Name Mr. Rajesh Srivastava
Mother’s Name Mrs. Seema Srivastava
D.O.B February 11, 1990
Gender Male
Marital Status Single/Unmarried
Language Known English and Hindi
Contact No. 09958995045
Nationality Indian
Email sharadsmera@gmail.com
DECLARATION -
I hereby declare that the above written particulars are true to best of my knowledge and belief.

4. Date:
Place: New Delhi Sharad Srivastava